If this is a 'before and after' type of photo shoot, why are most of the people all sweaty in the first photo?Working out didn't change their looks - it was cleaning up, a haircut and/or lots of makeup.

UltioThe fact that loans are reitetsng in the near term is completely irrelevant. First of all, you make the assumption that just because loans are reitetsng, people are unable to cover any change. Second and most importantly, you clearly have forgotten that many of these adjustments are going to be lower. Every single major rate that they could possibly be tied to (LIBOR, 11th District, Prime, etc) are at all time lows. The "shadow" inventory of foreclosures that you keep referring to are of questionable existence, at best. Banks, by charter, are not allowed to be long term holders of real estate. They have been rapidly selling bulk REOs to vulture funds directly. The absence of these shadow foreclosures hitting the market in the last six months is further proof of this. Supply/demand? Supply is off more than 70% in 18 months and demand is very steady. A 6 month inventory of homes is generally considered the goal and currently San Diego hovers at 3 months. Sounds like their is an inverse supply/demand curve situation at the moment.Pretty feeble insight provided here in the original advice.

When you dolownad Sketch up it automatically has an instructional tutorial that comes on when you open the program.You can watch it or disable it.I personally keep it on because I'm kinda new at it and forget stuff.